Can you do the test this way.
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As you expect >100Mbps then connect a 1GB enabled computer/laptop, with up to date drivers, via a NEW and working Cat5e/6a/7 ethernet cable, directly to the Hub which you have first put into “modem mode”
(
https://www.virginmedia.com/help/virgin-media-hub-modem-mode ).
This ensures that NO other devices are connected to the network
Test speeds at
https://speedtest.samknows.com/ - try on 2 different browsers.
If they are still low – boot your device into Windows safe+networking mode - to disable any potentially interfering software - and try again.
There are many posts on here (I have a list of ~30!) where QoS software, unknown/flaky software, old network card drivers, corrupted browsers, bad cables or other connected devices are limiting speeds on tests.
Report back what that gets.
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John
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I do not work for VM. My services: HD TV on VIP (+ Sky Sports & Movies & BT sport), x3 V6 boxes (1 wired 2 WiFi,) SH2 in modem mode with Airport Extreme Router +2 Airport Express's. On VIVID200, Talk Anytime Phone, x2 Mobile SIM only iPhones.